Multi-network systems and methods for providing current biographical data of a user to trusted parties

1. An automatic user biographical data updater (BDU) computing device for automatically updating user biographical data, the BDU computing device including at least one processor in communication with at least one memory device, said BDU computing device configured to: receive, from a payment processor of a payment network, user card profile data associated with an account of a user; receive user biographical data and an account identifier associated with the account of the user; store the user biographical data along with the account identifier in the at least one memory device; receive a data access request for the user biographical data and the user card profile data from a trusted party; generate a link identifying the location of a network-based resource that provides access to the user biographical data stored within the at least one memory device and the user card profile data; transmit the link to the trusted party, wherein the link enables the trusted party to access the user biographical data from the at least one memory device and the user card profile data; receive updated user biographical data and updated user card profile data; store the updated user biographical data in the at least one memory device; associate the updated user card profile data and the stored updated user biographical data with the link; and transmit an updated data notification message to the trusted party, wherein the notification message includes the link.

2. The BDU computing device of claim 1 , wherein the biographical data update request is processed over a payment network wherein the user interacts with the payment network using a payment account associated with the user account identifier at a POS device or through a merchant website.

3. The BDU computing device of claim 2 , wherein the data update request is received by said BDU computing device as an ISO 8583 authorization computer message from a trusted party, the data update request including the user account identifier.

4. The BDU computing device of claim 3 , wherein the user is a cardholder, the BDU computing device configured to be communicatively coupled to the payment processor of the payment network to receive the user card profile data.

5. The BDU computing device of claim 4 , wherein the user card profile data includes at least one of fraud history, a loyalty customer profile, a chargeback history, historical transaction data, a customer loyalty profile, a spending behavior profile, location information, and cardholder information associated with the user account identifier.

6. The BDU computing device of claim 4 , wherein the BDU computing device is further configured to: detect merchants that are registered for the BDU service by performing a lookup of a list of registered trusted parties of the BDU service stored in the memory; compare the user card profile data with the list of registered trusted parties; and suggest, to the user, potential trusted parties based on merchants the user has interacted with.

7. The BDU computing device of claim 1 , wherein the BDU computing device is further configured to: generate a biographical data update when the user biographical data associated with an account identifier is updated; and transmit the user biographical data update to the trusted party.

8. A computer-implemented method for automatically updating user biographical data, the method implemented using a biographical data updater (BDU) computing device including at least one processor in communication with at least one memory device, said method comprising: receiving, from a payment processor of a payment network, user card profile data associated with an account of a user; receiving user biographical data and an account identifier associated with the account of the user; storing the user biographical data along with the account identifier in the at least one memory device; receiving a data access request for the user biographical data and the user card profile data from a trusted party; generating a link identifying the location of a network-based resource that provides access to the user biographical data stored within the at least one memory device and the user card profile data; transmitting the link to the trusted party, wherein the link enables the trusted party to access the user biographical data from the at least one memory device and the user card profile data; receiving updated user biographical data and updated user card profile data; storing the updated user biographical data in the at least one memory device; associating the updated user card profile data and the stored updated user biographical data with the link; and transmitting an updated data notification message to the trusted party, wherein the notification message includes the link.

9. The method of claim 8 , wherein the biographical data update request is processed over a payment network wherein the user interacts with the payment network using a payment account associated with a user account identifier at a POS device or through a merchant website.

10. The method claim 9 , wherein the biographical data update request is received by said BDU computing device as an ISO 8583 authorization computer message from a trusted party, the biographical update request including a user account identifier.

11. The method of claim 10 , wherein the user is a cardholder, the BDU computing device configured to be communicatively coupled to the payment processor of the payment network to receive the user card profile data.

12. The method of claim 11 , wherein the user card profile data includes at least one of fraud history, a loyalty customer profile, a chargeback history, historical transaction data, a customer loyalty profile, a spending behavior profile, location information, and cardholder information associated with the user account.

13. The method of claim 11 further comprising: detecting merchants that are registered for the BDU service by performing a lookup of a list of registered trusted parties of the BDU service stored in the memory; comparing user card profile data with the list of registered trusted parties; and suggesting, to the user, potential trusted parties based on merchants the user has interacted with.

14. The method of claim 8 further comprising: generating a biographical data update when the user biographical data associated with an account identifier is updated; and transmitting the user biographical data update to the trusted party.

15. A non-transitory computer readable medium that includes computer executable instructions for automatically updating user biographical data by a computing device, wherein when executed by a biographical data updater (BDU) computing device including a processor and a memory device, the computer executable instructions cause the BDU computing device to: receive, from a payment processor of a payment network, user card profile data associated with an account of a user; receive user biographical data and an account identifier associated with the account of the user; store the user biographical data along with the account identifier in the at least one memory device; receive a data access request for the user biographical data and the user card profile data from a trusted party; generate a link identifying the location of a network-based resource that provides access to the user biographical data stored within the at least one memory device and the user card profile data; transmit the link to the trusted party, wherein the link enables the trusted party to access the user biographical data from the at least one memory device and the user card profile data; receive updated user biographical data and updated user card profile data; store the updated user biographical data in the at least one memory device; associate the updated user card profile data and the stored updated user biographical data with the link; and transmit an updated data notification message to the trusted party, wherein the notification message includes the link.

16. A non-transitory computer readable medium in accordance with claim 15 , wherein the biographical data update request is processed over a payment network wherein the user interacts with the payment network using a payment account associated with a user account identifier at a POS device or through a merchant website.

17. A non-transitory computer readable medium in accordance with claim 16 , wherein the biographical data update request is received by said BDU computing device as an ISO 8583 authorization computer message from a trusted party, the biographical update request including a user account identifier.

18. A non-transitory computer readable medium in accordance with claim 17 , wherein the user is a cardholder, the BDU computing device configured to be communicatively coupled to the payment processor of the payment network to receive the user card profile data.

19. A non-transitory computer readable medium in accordance with claim 18 , wherein the user card profile data includes at least one of fraud history, a loyalty customer profile, a chargeback history, historical transaction data, a customer loyalty profile, a spending behavior profile, location information, and cardholder information associated with the user account.

20. A non-transitory computer readable medium in accordance with claim 18 , wherein the BDU computing device is further configured to: detect merchants that are registered for the BDU service by performing a lookup of a list of registered trusted parties of the BDU service stored in the memory; compare user card profile data with the list of registered trusted parties; and suggest, to the user, potential trusted parties based on merchants the user has interacted with.

21. A non-transitory computer readable medium in accordance with claim 15 , wherein the BDU computing device is further configured to: generate a biographical data update when the user biographical data associated with an account identifier is updated; and transmit the user biographical data update to the trusted party.